Pennsylvania Real Estate News, Views and Rants : veterans

How Do I Find the Bargain Priced Homes?

John Rainville — Tue, 28 Feb 2012 14:55:00 GMT

Every buyer wants to find the best buy out there; but where do you start looking for homes that bargain priced?

First start working with a Buyer’s Agent. Buyer’s Agents usually are the first to know when there’s a bargain home out there.

They also can pull up listings that will have homes that are considered “Fixer-Uppers” which are generally sold for well less than their value if they should be free of any updates and fixes needed. Buyer’s Agents have a direct line to the real estate industry and open lines of communication with other agents who may have homes that they know must sell and can sell at a real bargain price. The only problem with all of this is that this is how almost everyone operates when it comes to finding the bargain homes. There is another way.

Ask your agent if they can access the inside investor market. Most Realtors don’t even know this market exists. The inside investor market is where the homes hit that are 40-50% off their actual value and hit this market before they’re even listed on the MLS market. If they make it that far, which is rare, then they’re usually not as hugely discounted as they could have been or they’re not as wonderful of a deal as you really want; otherwise they would have been scooped off the inside investor market. You may find that you can’t find an agent that is involved in the inside investor market in your area; should this be the case then you may have to go with a typical Buyer’s Agent who utilizes MLS listings to find their “bargain homes” but that’s not exactly a horrible thing. You have to work with what you have.

Short Sales are going to offer a home for less than what the owner owes on the home. This may or may not put the home in a highly discounted position because it’s based upon what’s owed on the home by the current home owner. With the market changing as much as it has lately many people own much more than their home will ever be worth so make sure your Buyer’s Agent pulls the CMA which gives you a marketing analysis on other homes in the area so you can compare the cost of the Short Sale home to the values of other homes in the area.

Foreclosures are generally offered at discounts but once again it’s not always the case. You need to be sure to utilize the skills of the Buyer’s Agent so you know what the houses in the area are going for and if this foreclosure is really worth it. Sometimes houses that are foreclosed on will go up for Sheriff Sale and be auctioned instead of listed. In these cases you need to be sure that the home hasn’t been vandalized and abused while it’s sat empty.

Auctions can happen to homes for various reasons. One of the most frequent reasons for a home going up for auction is unpaid taxes. These often end up being auctioned without the ability to go into the home and doing nothing more than a drive-by; basically sight unseen.

Another reason for a home to be put up for auction is to settle an estate quickly as opposed to waiting for the house to be put on the market. In either case you do have a chance to grab a house at a bargain price. The problem with auctions is that you don’t know who you’re going to go up against and you have to know the CMA for the area the auction is in so you know how high to bid. Another thing to keep in mind with auctions is that you will be bidding up against people from every walk of life; contractors, professional house flippers, first time home buyers looking for an cheap way to buy a house, and more.

Bank Owned sales often result in the bank taking almost any realistic offer on the home because simply put, they don’t want to own a home, they want the money. Again, your Buyer’s Agent can help you negotiate a good deal here.

Fixer-Uppers are a great way to purchase a home for a fraction of their value but you have to take into account what the value of the home in that area is worth and know how much it’s going to take to flip the house so you can resell it as quickly as possible. Obviously if you’re not the handy-man type this is probably not the kind of home you want to buy because when you add in the cost of labor to the costs of fixing up a house, that’s when the money starts going out. Be prepared to make a list of items that need to be done before the house is in the condition it needs to be in either to sell it for a profit or move in to. This is where it’s going to pay to have a crew whom you can trust to give you quick and accurate estimates on the work that needs to be done. Start with the obvious and architectural problems that if they aren’t addressed will have the capability to cause more harm to the house. For example a leaking roof should take priority over indoor plumbing which can be shut off until it’s time to work on it.

When you’re buying bargain homes there is a bigger sense of urgency to move on the home before someone else finds it. You are going to have to have complete trust in your Buyer’s Agent and listen to them as to whether or not this house is worthy of jumping on; otherwise someone else with the knowledge to know the difference between a bargain and a bad house that’s just priced right for its condition is going to beat you to the punch. So there is a definite urgency needed when you’re out looking for that super bargain deal when buying a home.

First Time Home Buyers Checklist!

John Rainville — Fri, 24 Feb 2012 18:34:00 GMT

Time Home Buyers Check List

Many times when the process is complete, first time home buyers look relieved but also amazed.

They wonder how it all seemed to whirl by so quickly and how it ever happened that one moment they were saying “We should buy a house” to hearing “Here are the keys!”

The truth of the matter is most first time home buyers have been looking and buying long before they realized it. Most start by maybe picking up a few free home listing books you see at the grocery store or maybe a search on the internet for some homes in the price range or area you were thinking you wanted to buy in. In reality you’ve been a buyer for quite some time now but maybe you’re just entering the real world market.

How To Go About Looking At Homes

We’ve put together a checklist to go through to make sure you keep things straight in your mind as to what you saw and what you liked or loved. You may never need the list. You may just walk into a home at one point and know that it’s the one. Some people know immediately, while others like to think it out over and over while weighing the good and bad.

Here are some things to do or keep in mind while you’re viewing homes. It’s not uncommon to look at up to 7 homes in a day if you’re strong willed and willing. Others may prefer to take their time and view a few homes at a time. Either way you go, you’re going to want to have references to go back and compare. Actually, even if you’re not a first home buyer this checklist could be a great way to make sure you’re not overwhelmed by it all:

First Home Buyers Checklist

Take notes on each home you view, keeping it all in a notebook.
Note special features that catch your eye, unusual architectural features that appeal to you, or special areas that you like.
Note any repairs that you see immediately and put as much information as possible so you can research how much it would cost to repair (for example you notice a cracked window or an entire wall that the plaster is cracked)
Bring a digital camera with you and take pictures from the front of the house, the back and each room inside to remind you of what the house looked like.
Put down ages of important things such as the roof, siding, furnace, air conditioning, hot water tank, appliances that go with the house and so on.
Drive around the area and take notes about the location – do you like that it’s close to shopping areas or is it too close? Are there industries nearby that could cause issues? Are there parks and green areas nearby that you like? Is there a neighborhood just a block or two away that isn’t considered good or safe that would worry you or are the neighborhoods all around you decent and nice?
Question the agent about the zoning area. Although it may be all homes right now, that beautiful wooded area that’s untouched across the street could be turned into a strip mall if the zoning isn’t zoned for housing only. Some areas are zoned for commercial or light commercial but currently have only houses. This leaves room for the house next door turning into a daycare center or small business. You want to be sure you know what you’re moving into as far as zoning. Make note of it in your notebook also.
Notice what surrounds the house immediately – are there high rise buildings that block your views from your window? What are the houses like directly on either side and across the street?
Drive by the area at different times of the day and on weekdays along with weekends to see what the neighborhood activity is like.
Rate the home on a scale of 1 to 10 with 10 being perfect before you even drive away from the curb from your first viewing.

Using a checklist will help you keep track of each home you look at; especially if you end up viewing a few homes each week. You’re going to be able to keep track not only with a listing of notes but pictures to jog your memory of which house that was. You can place stars next to the ones that rate high and maybe do a return viewing of the home if you’re interested. It will help you keep from feeling overwhelmed, even if the home you decide upon buying is one you literally walk through and immediately say this is it!

Single Women Buyers in the Market

John Rainville — Mon, 20 Feb 2012 00:41:00 GMT

Times have changed for sure. In a market that used to be mainly married couples purchasing homes we are seeing more and more single women in the market now. The trend seems to be one on the rise so realtors and sellers alike are starting to recognize a whole new marketing area to focus on. Most single women want 2 or more bedroom houses. They are much less likely to go with “new construction” as opposed to older homes or newer homes that have been built in developments. Single women tend to stay in the city areas as opposed to buying in suburban areas. Many prefer condos that are neat, crisp, clean, and come with a homeowner association. Many prefer the safety factor of a gated access or security system entrance area. Single women tend to spend under $200,000 They come to the board with a listing of their desired amenities and don’t usually budge too much on compromising them. Many will accept smaller sized homes in order to get the amenities they prefer. They prefer to be closer to shopping areas, stores, and local gym & fitness places. Single women are very particular about location and will not compromise the quality of the neighborhood to get what they want. Most women come into the buyer’s market very ready and buy within a matter of less than 30 days Oddly enough single women don’t necessarily fall into the category of those never married. Many who are classified under this type of buyer are divorced women, women with children and functioning as a single parent, and some have partners they live with but purchase the home themselves. Many live alone also and often these are the types that are interested in condo situations or areas that provide security. Sellers and agents alike have begun to realize that the single woman buyer is a new and expanding area to lock into and often hold seminars for women buyers. This is no longer a man’s world or a family world of business but has become one where single women make up a nice piece of the market to connect with. Many have a strong desire to move on with their life after a divorce; while others are looking for more security and space to secure a lifestyle they’re ready to begin. Those with children want to provide for their children and often have solid jobs that allow for them to begin saving money for down payments and the ability to make payments without worry. Ages range from early 20′s to late 60′s and everything in between. Some are looking for their final place to retire in while others are looking for their first place to begin. Either way, this is a new and untapped market that is rapidly trending.

Bouncing Back From The Housing Blues

John Rainville — Fri, 17 Feb 2012 01:08:00 GMT

While we’re emerging into the third year of the housing crisis, there are some signs of recovery. However, selling homes still remains a challenge in widespread areas across the US.

A major challenge for sellers today is that many intending buyers are putting their decision on hold for various reasons.

A steady flow of poor home sales data across the nation only contributes to further dip in prices and promotion of the negative sentiments. Nevertheless, when you have reached the difficult decision to sell your home, you have fewer options and you must sell before you find yourself even deeper in the hole.

You have invested time, money and thoughts to make your home the best place to live for you and your family. But, what is best for you may not be what the prospective buyer is looking for. Take a tour of your home and take an inventory of needed repairs. You’d be surprised to learn that fixing broken window panes, getting that squeaky door changed, or even adding a coat of paint can not only add value, but attract serious buyers. It’s important to focus on both the internal and external appearance of your home, to make it appealing to a perspective buyer.

One way to cash in for your home is by considering a remodeling or expansion project. Adding an extra bathroom or play space can add extra space, and eventually a bigger price tag on your home. However, it takes money to invest in projects of this scope. That’s why it’s advisable to shy away from any value addition right away. Consider pitching the idea to the buyer and work it into the home’s sale price. Similar opportunities may exist in making the home more comfortable and potentially profitable. In addition, it won’t look too bad on your behalf that you’re willing to go the extra mile.

The digital world offers wonderful opportunities in getting your message across to millions of people. Using the social media to your best advantage may however need some degree of expertise. Remember, you are not the only one in your neighborhood that wants to sell their home. When using social media to attract buyers, using multimedia tools such as videos or pictures can be very helpful. This will not only help keep interested buyers on your page, it will also encourage them to contact you, if they are pleased with what they see. With that said, pay attention to how your pictures and videos are presented. A low resolution video could have an adverse effect if your viewers are struggling to watch the video.

If you lack the tech experience, as your real estate agent is he has experience in videography. This is important because your prospect may skip your presentation and look at another home if your video looks unprofessional or is poor quality. Notice how I referred to the videographer as an investment. This is simple because the money that you may spend on videos and other social media, can potentially pay you rich dividends when you find your buyer.

No matter how much personal value you may find in your home, the buyer will just see it as another house on the market. With that in mind, keep up with your competition. Do some research by finding the asking price online and consider going to a competitor’s open house. This is the most realistic way to see things from a buyer’s perspective. You will also see what sales tactics their using to lure buyers, which can eventually help you in the long run.

Last Few Days to Get Phones in for "Cell Phones for Soldiers"

John Rainville — Thu, 07 Apr 2011 09:45:00 GMT

Tyler Piatt-Rainville's Boy Scout Eagle Leadership Project is in it's final few days.

Please let Tyler know if you have any old, broken or used cell phones you can donate.

It is a great project as it helps our Troops be able to call home from duty stations around the world where the cost to call home can be as high as $8 a minute!

Soldiers can get pre-paid phone cards or even cell phones to stay in touch with loved ones.

Tyler's # is 717-943-8856 or tylerapiatt@gmail.com.

The Collection drive ends Saturday morning so the phones can be shipped out to the "Cell Phones for Soldiers" charity.

Thank you for supporting our troops and the environment by recyling your old phones,

PLEASE HELP! Collecting Cell Phones For Soldiers!

John Rainville — Thu, 24 Mar 2011 11:48:00 GMT

My son Tyler Piatt-Rainville a Life Scoout with Boy Scout Troop 284 from Lewisberry, PA is doing his Eagle Leadership Project now.

He is setting up 40+ collection sites in our area to collect used, old, broken, cell phones to be reclaimed or recyled by the "Cell Phones for Soldiers" Charity. The proceeds are used to buy our soldiers, and sailors pre-paid phone cards or cell phones so they can stay in touch with their familes.

This is a great cause. We all know how much our troops an their families sacrafice for us.

Most of us have old or broken cell phones we have thrown in junk drawers. PLEASE dig them out and get them to one of the collection centers BEFORE April 8th. Tyler is working hard to get 1000 phones.

Any questions or if you want a collection box, flyers, or more info call Tyler at (717) 943-8856.

His Facebook Page is http://www.facebook.com/pages/Cell-Phones-for-Soliders/123136271092575?v=app_112078882147346

We've Added FREE Weekly Webinars to Help You Buy, Sell Or Fix your Credit

John Rainville — Sat, 02 Oct 2010 20:13:00 GMT

We're excited to announce that we have added full free access to "Home Buyer University Webinars" to our visitors!

You will find a growing library of workshops that you may view
completely free of charge which will provide valuable information that
you will need as you prepare for your home purchase.

There is nothing being sold here so view them all at your earliest
convenience.

Weekly Seminar Topics include:

10 Secrets to Sell Your Home Fast...Even in a Down Market!
20 Things You Must Know Before Buying a Home
203k FHA Program - How to Get the Money to Fix Up the Home You're Buying
25 Things You Must Know Before Applying for a Mortgage
5 Ninja Strategies to Help You Negotiate Like a Pro!
8 Big Insider Secrets to Building Your Credit Score Fast!
The Best Kept Mortgage Secret: USDA Guaranteed!
The Insiders Guide to Reverse Mortgages!
USCCRA Webinar to Realtors
Zero Down! Fact or Fiction? The Truth About VA Loans!

Walk in Closets are the cause of this Financial Situation---Seriously!

John Rainville — Mon, 23 Feb 2009 15:23:00 GMT

I have been pondering almost daily this great financial debacle that we have gotten ourselves into and how it happened. Now I understand Barry Obama likes to point the finger at the GOP or George Bush, but it started way before "W" became Number 43. It seems to me that this whole mess can be traced back to Post WWII America and the advent of the "walk in closet" to entice people to move to the new "burbs" outside of town. WHAT? you say! That's LUDICROUS! Now hear me out...

Most of us real estate professionals have been through our share of homes built all different years. So think about it...the 1800's and before we had armoires and PEGS for god sake to hang your clothes on---we only had a few shirts and pants IF we had more than one! Around the turn of the century we start to see what most bueyrs perceive to be miniscule closets in homes---now you coud hang maybe up to a dozen garments! The next jump is post WWII and the advent of the @#$ walk in closet----WHAMO! the world changed!

Now we started to hoard clothes, etc that we could hide in our WALK IN closets. Remember Lucy and Desi? She was ALWAYS hiding outfits! But now the "cow was outta the barn" and we havent' looked back----until now. At the same time we went from no garage to a one car to a two car to a three car---the third bay just to hold all the crap that WON'T fit in our WALK IN CLOSETS! But WAIT WE DIDN' T STOP THERE!

Hell, I've seen homes with 1500 Bottle "wine cellars"! We've got basements and attics and now we even RENT STORAGE UNITS for all the @$%# that won't fit in our @#$% WALK IN CLOSETS! What are we NUTS! We're renting space to store stuff we should have given away or sold on E-bay! In the rural areas where I live some of the folk who live in small houses or mobile homes have had to start storing their assets on the FRONT LAWN!

Hellooooo, why not sell that old AMC Pacer or cherry Gremlin that you are saving from the junk yard to someon who might actually be able to use it? Or at least scrap them gems and let us sned it to China to be melted down and sold back to us.Ohhh, I can hear some of you already laughing out loud, but hey what's YOUR closet look like? And I know I will hear from some Al Queda wannabe that this all goes back to a damn American Carpenter!

So Barry---back off George W. and the GOP and let America know where the blame outta be.

As always, IMHO.

Let's congratulate these two fine young men

John Rainville — Sun, 01 Feb 2009 15:42:00 GMT

2 teens to receive Medal of Heroism

Boys assisted man who collapsed while shoveling snow Saturday, January 31, 2009 BY ERICA DOLSON Of The Patriot-News

When junior Matt McDonald walked through the halls of Cedar Cliff High School on Friday, he received high-fives from his peers and congratulations from his teachers. But not for the typical high school heroics -- shooting a three-pointer at the buzzer, acing the physics mid-term or being crowned homecoming king. Instead, McDonald and his friend, sophomore Corey Persson, were being lauded for helping a neighbor who collapsed while shoveling snow and is recovering in a local hospital. Advertisement * On Wednesday afternoon, McDonald and Persson had a snow day and were planning to take in a movie matinee. As they were pulling out of the driveway, Persson noticed one of their neighbors, Paul Taffel, fall while shoveling snow. "I turned, and he was falling, and I thought, 'uh, that's not too good,'" Persson said. Persson turned the man over and talked to him, he said. When Taffel went limp, McDonald, a member of Cedar Cliff's Junior ROTC program, administered CPR while Persson called 911. The boys didn't make it to a later showing of the film, either; McDonald stayed to finish shoveling the man's driveway. On Friday afternoon, Taffel was listed in serious condition at Penn State Milton S. Hershey Medical Center. McDonald said he had never used his CPR skills before. He added that both boys remained calm. "When it happens, you just act," Persson said. "A lot of people were very happy and proud to hear we did something good," McDonald said. Both boys will receive the Medal of Heroism, the Junior ROTC's equivalent of the Medal of Honor. It is the highest award given to Junior ROTC members, and it is the first occasion two have been awarded at the same time at Cedar Cliff, said Sgt. Jeffrey Benton, army instructor for the Junior ROTC at Cedar Cliff. Benton does not know when the medals will be awarded. "We want to make a big deal of it," he said. "Everybody's talking about it."

ERICA DOLSON: 255-8424 or edolson@patriot-news.com

You could hear a pin drop...

John Rainville — Wed, 07 Jan 2009 01:11:00 GMT

You could have heard a pin drop... When in England , at a fairly large conference, Colin Powell was asked by the Archbishop of Canterbury if our plans for Iraq were just an example of "empire building" by George Bush. He answered by saying, 'Over the years, the United States has sent many of its fine young men and women into great peril to fight for freedom beyond our borders. The only amount of land we have ever asked for in return is enough to bury those that did not return.' You could have heard a pin drop. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

There was a conference in France where a number of international engineers were taking part, including French and American. During a break, one of the French engineers came back into the room saying 'Have you heard the latest dumb stunt Bush has done? He has sent an aircraft carrier to Indonesia to help the tsunami victims. What does he intended to do, bomb them?' A Boeing engineer stood up and replied quietly: 'Our carriers have three hospitals on board that can treat several hundred people; they are nuclear powered and can supply emergency electrical power to shore facilities; they have three cafeterias with the capacity to feed 3,000 people three meals a day, they can produce several thousand gallons of fresh water from sea water each day, and they carry half a dozen helicopters for use in transporting victims and injured to and from their flight deck. We have eleven such ships; how many does France have?' You could have heard a pin drop. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

A U.S. Navy Admiral was attending a naval conference that included Admirals from the U.S. , English, Canadian, Australian and French Navies. At a cocktail reception, he found himself standing with a large group of Officers that included personnel from most of those countries. Everyone was chatting away in English as they sipped their drinks but a French admiral suddenly complained that, whereas Europeans learn many languages, Americans learn only English.' He then asked, 'Why is it that we always have to speak English in these conferences rather than speaking French?' Without hesitating, the American Admiral replied 'Maybe it's because the Brits, Canadians, Aussies and Americans arranged it so you wouldn't have to speak German.' You could have heard a pin drop. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

AND THIS STORY FITS RIGHT IN WITH THE ABOVE... Robert Whiting, an elderly gentleman of 83, arrived in Paris by plane. At French Customs, he took a few minutes to locate his passport in his carry on. 'You have been to France before, monsieur?' the customs officer asked sarcastically. Mr. Whiting admitted that he had been to France previously. "Then you should know enough to have your passport ready.' The American said, ''The last time I was here, I didn't have to show it." 'Impossible. Americans always have to show your passports on arrival in France !' The American senior gave the Frenchman a long hard look. Then he quietly explained, ''Well, when I came ashore at Omaha Beach on D-Day in 1944 to help liberate this country, I couldn't find a single Frenchmen to show a passport to.'

You're Invited!

John Rainville — Tue, 28 Oct 2008 19:03:00 GMT

To learn how you can buy a home in the current market or get in position to buy for the Spring. You recently visited one of our websites and inquired about buying real estate. We would like you to invite you to a FREE no obligation, private discussion to determine the best plan of action for you in the current market.

You’ll learn about:

· Credit Repair --- how to get your FICO score up.

· Government Grants to give you up to $5000 towards buying a home

· The $7500 Interest Free Government “Loan” if you buy now

· 102% Government Financing from the Department of Agriculture

· 100% VA Financing for Veterans and their families

· 97% FHA Financing

· 95% Conventional Financing – what you will need

· Buying a Foreclosure

· Building a New Home

· Buying an Investment Property

· What Title Insurance is, and Who it protects

· Why you MUST have a Buyers Agent to Represent YOU and NOT the seller

· How much cash will it take to get you in a house

· How we may be able to get you in home for the holidays!

Call…John (717) 554-7430 to discuss your options.

Best regards,

John Rainville, Broker, Realtor®, CSP, RECS, LTRS Certified

NAR recommends Congress pass new housing stimulus legislation

John Rainville — Fri, 17 Oct 2008 15:24:00 GMT

NAR recommends Congress pass new housing stimulus legislation that includes the following priorities:

1. Remove the requirement in the current law that first-time home buyers repay the $7,500 tax credit, and expand the tax credit to apply not only to first-time buyers but also to all buyers of a primary residence.

2. Revise the FHA, Fannie Mae and Freddie Mac 2008 stimulus loan limit increases to make them permanent. The Economic Stabilization Act, enacted in February, made loan limit increases temporary, and subsequent legislation reduced the loan limits and made them permanent. This has broad implication for home buyers in high cost areas.

3. Urge the government to use a portion of the allotted $700 billion that was provided to purchase mortgage-backed securities from banks to provide price stabilization for housing. The Treasury department should be required to use the newly enacted Troubled Assets Relief Program to push banks to:

• Extend credit down to Main Street, making credit more available to consumers and small businesses;
• Expedite the process for short sales;
• Expedite the resolution of banks’ real estate owned (REOs) properties.

4. Make permanent the prohibition against banks entering real estate brokerage and management, further protecting consumers and the economy.

This is GOOD! NAR recommends Congress pass new housing stimulus legislation

John Rainville — Fri, 17 Oct 2008 15:24:00 GMT

NAR recommends Congress pass new housing stimulus legislation that includes the following priorities:

4. Make permanent the prohibition against banks entering real estate brokerage and management, further protecting consumers and the economy.

3 Day Goin Outta Business Sale!

John Rainville — Wed, 15 Oct 2008 21:39:00 GMT

What?

What's that you say?

Every day I am asked by someone, "...when is the market gonna bottom out?".

Well folks here's the deal, think of it as a 3 Day Goin Out Of Business Sale.

Are you with me so far?

What day would you want to go?

The First day with the best selection?
The Second day with the picked over remnants?
Or the LAST DAY with all the rubble that is left?

If you're holding off for the bottom, beware what you may end up with! The rates are steady the selection os good and the prices are GREAT. So what will it be? A cherry property, or piece of @!#%$?

IF you can buy, now is the time to get serious, find a great buy and then sit back and watch all the others sift through the remnants.

Get the home, investment property, vacation home or building lot you've always wanted.

Do you have brusied, banged up, or totally messed up credit and want to buy a home?

John Rainville — Tue, 10 Jun 2008 14:02:00 GMT

Many of us anymore have credit that is not quite good enough now to get a mortgage, or at least not good enough to get the very best rate. Divorce, illnees, job loss, kids moving back in, bad luck and other life events may have marked up your credit and that can cost you literally thousands if not a million dollars in higher payments for interest on credit cards, car loans, mortgages, insurance premiums and more.

Common Myths about Credit Reports

Bankruptcies, foreclosures and tax liens can't be removed.
It's easy to dispute and resolve issues.
Negative items that are removed will just pop back on down the road.
Paying chargeoffs and collections accoutns won't impact your credit score.
If I write a good explanation it will offset the bad mark.
Credit Bureaus are gov't agencies.
A new social security number will start a new credit file.
New credit fixes poor credit.
Counseling can help restore your credit.
Negative credit can't be removed for 7 years.

We have now created an alliance with a firm that can help get your credit report cleaned up so you can buy a home. Collections, repossessions, charge offs, bankruptcy, medical bills, etc. can be worked to be removed from your credit to allow you to get your score up to buy a home.

If you are serious about buying a home, and willing to do what it takes, we may be able to help you.

E-mail me your name, phone number and best time to reach you if you want to discuss the process.

john@brokersrealty.com